You can pay CareCredit as a guest by calling the customer service number on the back of your card or visiting the CareCredit website and selecting the guest payment option at checkout. You do not need to create an account or log in — you provide your card number and other identifying information instead, and the payment processes when ready.
Key Takeaways
- Guest payment on the CareCredit website requires your card number, expiration date, security code, and the amount you want to pay, but no login or account creation.
- Calling the automated phone line (the number is on your card) takes about five minutes and works the same way — you enter your card details using your phone keypad.
- Guest payments post to your account within one business day, so you can check your balance online afterward even if you never created an account.
- If you pay as a guest multiple times, you may want to set up an account later so you can see your full payment history and promotional period details in one place.
- Guest payments work for full balances, partial payments, and minimum payments — you choose the amount when you pay.
Paying Through the CareCredit Website Without an Account
Go to the CareCredit website and look for a link or button labeled "Pay as Guest" or "Guest Payment" — it is usually on the homepage or in the payment section. Click it and you will be asked to enter your card number (the 16 digits on the front), expiration date, and the three-digit security code on the back. You will also enter the amount you want to pay and a phone number or email address so CareCredit can send you a confirmation.
The website will show you a confirmation screen with the payment amount and the date it will post. Guest payments typically post within one business day. You do not receive a username or password, and you do not need to remember anything for next time — each guest payment is a separate transaction.
If you want to check whether your payment posted after you pay as a guest, you can call the customer service number on your card and speak to a representative, or use the automated phone system to check your balance. You will need your card number and the last four digits of your Social Security number or date of birth to verify your identity.
Paying by Phone as a Guest
The phone number for CareCredit payments is printed on the back of your card. Call that number and follow the automated prompts — the system will ask you to enter your card number using your phone keypad, then your expiration date and security code. After that, you enter the amount you want to pay.
The automated system will confirm the payment amount and tell you when it will post. The entire call usually takes three to five minutes. If you need to speak to a person instead — for example, if you have questions about your balance or promotional period — you can press a button during the automated menu to reach a representative.
Phone payments work the same way as website guest payments: they post within one business day, and you do not need an account or login. If you call back later to check your balance, you will need to verify your identity again using your card number and personal information.
What Information You Need to Pay as a Guest
Have your CareCredit card in front of you before you start. You will need the 16-digit card number on the front, the expiration date (month and year), and the three-digit security code on the back. You will also need to know how much you want to pay — you can pay any amount from your minimum payment up to your full balance.
If you are paying by phone, you may also be asked for the last four digits of your Social Security number or your date of birth to verify your identity, depending on the amount you are paying. If you are paying on the website, you will usually be asked for a phone number or email address for your confirmation receipt.
You do not need your username, password, account PIN, or any other login information. Guest payment is designed to work without an account.
When Guest Payment Makes Sense Versus Creating an Account
Guest payment is fastest if you are paying once and do not plan to check your balance or promotional details regularly. It takes about the same time as logging in — maybe slightly less because you skip the login step — but you do not have to remember a password or deal with account setup.
Creating an account makes more sense if you pay CareCredit regularly, want to see your full payment history in one place, or need to track your promotional period (the interest-free window on your purchase). An account also lets you set up automatic payments so you do not have to call or visit the website each month. You can create an account anytime, even after paying as a guest multiple times — your previous guest payments will show up in your account history once you register.
Some people use guest payment for one-time or occasional payments and keep an account for regular monitoring. There is no penalty for doing either.
How Long Guest Payments Take to Post
CareCredit states that guest payments post within one business day. A payment made on a weekday usually posts the next business day. A payment made on Friday, Saturday, or Sunday typically posts on Monday (or the next business day if Monday is a holiday).
Once your payment posts, it reduces your balance when ready. If you have a promotional period (interest-free financing), your payment counts toward that balance and extends the time you have to pay without interest. If you are carrying a balance with interest, your payment reduces the amount that interest is calculated on going forward.
You can check whether your payment posted by calling the customer service number on your card and using the automated system or speaking to a representative. You will need your card number and personal identifying information to check.
Guest Payments and Your Account History
When you pay as a guest, the payment is recorded in your CareCredit account even though you did not log in. If you later create an account or log in for the first time, you will see all your previous guest payments listed in your payment history. This means you do not lose any record of what you paid — CareCredit tracks it on their end.
However, while you are paying as a guest, you cannot see your full account details, promotional period end date, or interest charges (if any) without calling customer service. Creating an account gives you access to all of that information online, anytime.
If you have made multiple guest payments and want to consolidate your information, you can set up an account at any time. The process takes a few minutes and does not affect your existing balance or payment history.
Frequently Asked Questions
Do I need a CareCredit account to make a payment?
No. You can pay as a guest using just your card number, expiration date, and security code. You never have to create an account if you do not want to. However, having an account makes it easier to track your balance and promotional period details online.
What if I lose my card and do not have the card number memorized?
Call the customer service number you may have on a previous statement or bill, or contact the healthcare provider or retailer where you opened the card — they can give you CareCredit's customer service number. When you call, you can verify your identity using your Social Security number and date of birth, and a representative can help you make a payment or reset your account access.
Can I set up automatic payments without creating an account?
No. Automatic payments require an account so CareCredit can store your payment method and schedule. If you want automatic payments, you will need to create an account first. Once you do, you can set up recurring payments for your minimum payment, a fixed amount, or your full balance.
Will paying as a guest affect my credit score?
No. Whether you pay as a guest or through an account, the payment itself does not affect your credit. Your credit score is based on your payment history (whether you pay on time), how much of your credit limit you use, and other factors — not on how you make the payment.
Can I get a receipt for a guest payment?
Yes. When you pay on the website, you will see a confirmation screen you can print or screenshot. When you pay by phone, the automated system will give you a confirmation number. You can also call customer service later and ask for a payment receipt — they can email or mail one to you.